Tim Lim

Archive for September, 2010

Individual Health Insurance Reform Future Proceedings Easy To Insure Me

MARCH 26, 2010

This Week in Health Care Reform     

Health care reform legislation passed the House this week on a party-line vote. Late Sunday night, House Democrats approved the Senate health care reform package, sending the legislation to President Obama for his signature. On Tuesday, President Obama signed the underlying bill into law, yet the House has yet to finalize the package of “fixes” that will alter the final implications of the legislation.

Health Care Reform Negotiations

House Democrats Pass Health Care Reform Package: The House of Representatives approved the Senate health care reform bill Sunday night by a vote of 219 to 212. The vote marks the climactic finale to a year-long debate over health care reform. In the final vote, 34 Democrats joined all House Republicans in voting against the measure. Shortly thereafter, the House also passed a package of “fixes,” by a vote of 220-211, that was sent directly to the Senate for its approval through reconciliation. On Tuesday, President Obama signed into law the Senate health care reform bill, called the “Patient Protection and Affordable Care Act.”

Republicans Force Senate to Send the Reconciliation Bill Back to the House: Shortly after the President signed the Senate bill into law, Senators began deliberations on the reconciliation bill. Reconciliation protocol restricts Senators to 20 hours of debate on the measure, but it does not limit the number of amendments that can be filed. In an expression of opposition to the bill, Republicans filed 29 amendments to the reconciliation package.

After 10 hours of continuous debate, Republicans were successful in eliminating two provisions related to college financial aid in the non-health care portion of the bill. The Senate parliamentarian ruled early Thursday morning that those two provisions violated the chamber’s rules, sending the legislation back to the House for a new vote. As a result, on Thursday afternoon, the Senate voted on the reconciliation bill without those two provisions and sent the bill  back to the House for a vote on final passage. The House vote will likely come Thursday evening.

What Does This Health Care Reform Legislation Mean: While the health care reform bill extends insurance coverage to 32 million more Americans by 2019, the legislation has other far-reaching implications that will be phased in sooner, during a multi-year implementation period.

Several features of the new health care overhaul bill that would take effect in 2010 under the measure passed Sunday include:

* New product requirements beginning 6 months after enactment, including:
o Coverage for dependents up to age 26
o No lifetime maximum benefit limits
o And no cost sharing on preventive care for certain policyholders
* Temporary federal high risk pools;
* Tax credits for small employers; and
* Prohibition on pre-existing condition exclusions for children (beginning 6 months after enactment).

Most Americans will have until 2014 to purchase insurance or pay a penalty. Other elements of the bill that will not take effect until at least 2014 include insurance marketplaces called “exchanges”; rules requiring insurers to accept all applicants regardless of pre-existing conditions, and an expansion of state Medicaid programs.

A number of experts question whether health care reform will really drive down insurance premiums. America’s Health Insurance Plans ( AHIP), the trade group representing health insurers, outlines a series of concerns related to the legislation including a lack of provisions that address underlying health care costs, improve quality of care or ensure a stable risk pool. In addition, AHIP expressed concerns regarding new taxes on health coverage, which will likely increase premiums.

Additional Activities

Obama’s Executive Order on Abortion Funding: On Sunday afternoon, prior to the final House vote on health care reform, President Obama agreed to issue an Executive Order that would uphold the ban on federal funding for abortion . In so doing, he secured about a half-dozen votes from anti-abortion Democrats, led by Rep. Bart Stupak (D-MI), who previously opposed the legislation. On Wednesday, President Obama signed the Executive Order banning the government from spending federal money to pay for abortions through plans offered on the insurance exchanges created under the measure.

States Filing Lawsuit to Fight Provision of Health Care Reform Bill: In response to the new health care reform legislation, states across the country have filed lawsuits asking the courts to declare the law unconstitutional and to bar its enforcement. On Monday,Attorneys General in 13 states, led by Florida, filed a joint lawsuit claiming that the new health care reforms violate state government rights in the U.S. Constitution and will force massive new spending on hard-pressed state governments. Joining Florida in the suit are Alabama, Colorado, Idaho, Louisiana, Michigan, Nebraska, Pennsylvania, South Carolina, South Dakota, Texas, Utah and Washington.

At the same time, the Attorney General in Virginia filed a separate suit contending that Congress has exceeded its power in mandating that people buy health insurance. Virginia Attorney General Ken Cuccinelli argues that the new law’s requirement clashes with Virginia law that exempts citizens from federal fines imposed for not having health insurance.

Senate Voting to Extend COBRA Until May 5:  Senate Democrats plan another short-term extension of unemployment aid this week, setting up a face-off with Republicans, who are vowing to fight the extension if the billion cost isn’t offset with spending cuts. The bill, currently set to expire on April 5, would extend a series of emergency programs – including funding for unemployment insurance benefits and COBRA health coverage for the jobless  – and would hold off a deep cut in reimbursement rates for doctors who serve Medicare patients. The long-term extension has already passed in both the House and Senate, but the two measures are not expected to be reconciled and sent to the President’s desk until after the Easter recess.

President Obama Heads to Iowa to Speak on Health Care: President Obama headed to Iowa on Thursday to increase support for his health care legislation. This was President Obama’sfirst trip out ofWashington since signing health care reform legislation earlier this week. He spoke at the University of Iowa, in the city where he first announced his health care proposal during the Presidential campaign.

Public Opinion

Most Americans Want Republicans to Fight Health Care Reform Bill: In a recent CBS News poll, 62 percent of Americans said they want congressional Republicans to continue challenging the bill, while 33 percent said they should not. Disapproval of the bill has remained steady, with 46 percent saying they disapprove, including 32 percent who “strongly” disapprove. A majority of Americans continue to say that they find the bill to be confusing and do not understand what it means for them or their family.

American’s Split on Health Care Reform Passage: In a recent USA Today/Gallup poll, 42 percent of Americans said they were angry or disappointed with the recent passage of health care reform legislation. When asked to reveal party affiliation, 79 percent identified themselves as Republicans.

Polling Shows Support for State Lawsuits Against Government: National polling reveals significant opposition to the individual mandate. In a newly released Rasmussen report , 53 percent of those polled oppose the new mandate requiring every American to buy or obtain health insurance. Further, 49 percent of voters are in favor of their state suing the federal government to fight the mandate. Fifty-one percent say individual states should have the right to opt out of the health care plan entirely.

Looking Ahead

After this week’s final health care reform vote, President Obama plans to travel the country in the next few months to discuss the new law. Republicans have begun their own discussions of the law, with an eye towards the November elections.

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Modern Black Hair Styles – How To Choose The Right One For You

No matter whether or not whether your favorite black hair style
is braided, curly, locks, sleek and straight, short and funky or
twisted and intricate, there are a few things that you should
consider before deciding on what black hair style to choose for
your next do.

Due to the versatility of the black hair style and black hair in
general, ethnic hair styles include some of the most intricate
and beautiful hair creations to be found among fashion-conscious
people today. While many compete to make their black hair style
more elaborate and beautiful than the next, many fail to observe
basic hair styling fundamentals, which are vital to ensure that
a black hair style compliments the wearer rather than detracts
from his or her personal beauty.

Black hair style fundamentals

When choosing the right black hair style for you, it is
important to pay special attention to your facial features and
bone structure. The right black hair style can take the most
beautiful facial features you have and make them absolutely
stunning. The wrong black hair style, on the other hand, can
completely mask those features and may even highlight features
you would rather hide.

When choosing the perfect black hair style for your unique look,
stylists should take into account your build. For example, close
cropped black hair styles would not suit a person with a large
frame, nor would a full-bodied black hair style compliment a
person with a small frame. Making sure that your style and frame
balance is the key here.

Stylists also should look at your face shape when choosing the
best black hair style for you. There are five basic face shapes:
oval, heart, round, square and triangular. All of these shapes
can be beautiful, but one is ideal: oval. No matter what shaped
face you have, achieving the perfect look involves picking the
right black hair style that will make your face appear more
oval.

Oval face shapes are identified by the perfect symmetry of
certain facial features, such as the distance from the hairline
to the bridge of the nose (between the eyes), from the bridge of
the nose to the lips, and from the lips to the bottom of the
chin. If your face is oval shaped, you will have a host of
options when it comes to choosing your black hair style. This
shape is the only one that is complimented by almost every black
hair style imaginable. The oval shape is perfect for corn rows,
braids and all other popular black hair styles.

Heart shaped faces are usually broader through the forehead and
taper to a point at the chin. You can make this shaped face
appear more oval by positioning the weight of the black hair
style at chin level, or by wearing bangs in shorter black hair
styles. Keep in mind that the goal is to minimize the forehead
and to bring prominence to the chin.

Round faces are just that: round. They have wide cheekbones and
are usually smaller through the forehead and chin. The goal here
is to minimize the cheekbones. Black hair styles with height in
the bang and sides cut toward the face usually work best.

Square faces have a bold forehead and an angular jaw line. Black
hair styles with soft edges, and a great deal of texture
directed toward the face really suit this shape. The length
should be kept longer than jaw length to draw attention away
from the jaw, but, at the same time, that length should be
layered. A straight, sleek black hair style would only serve to
accent the angular lines of the face.

Triangular shaped faces are angular at the jaw line, but narrow
through the forehead. They can be treated much the same way that
square faces are treated, with one exception; more height and
fullness is needed throughout the crown and bang areas of the
black hair style to make this section of the face appear larger.

Now that you know what types of black hair styles to choose to
make you look your best, the only limits are your imagination
and your stylist’s creativity.

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Simple Quick Weight Loss Tips – Comfortable Weight loss Procedures

Weight loss simply means a process through which an individual loses weigh. This can be a very tough process especially if the person in question has no idea on the weight loss process. CLICK HERE TO PREVIEW THE BEST WEIGHT LOSS TIPS. It’s a big problem living with many people all over the world and most of the people living with this problem are afraid to admit and seek expert help either due to embarrassment or simply because they thing the weight loss process will be to tough for them. I was in this situation my self in the past, I was so overweight that if any one would ask me about my weight or my body I would start to avoid them completely and I would feel so embarrassed about the whole situation.

Did you know that if you do not loose weight you can develop various types of complications and diseases in your body? In my case, I had big problems with my joints to a point where I had to go for bed rest due to this excruciating pain in the joints after any physical activity including simple activities like walking. It was so humiliating for me to go through this humiliating experience at the age of twenty one when I was supposed to be energetic and vibrant. I also had breathing difficulties and had to carry an inhaler wherever I went. These Kinds of complications may vary with different people and therefore it’s important for you to realize that being overweight can be lethal to your body since it can even cause heart attack and death and its is therefore important to loose weight.

The most affected part of any overweight individual is their social life, I was personally affected with my overweight condition so seriously to a point were I started contemplating suicide, people mocked me everywhere I went, kids would stop playing and stare at me in shock I looked funny and silly at the same time and I hated my self for that, it was not funny at all and therefore I locked my self indoors When I could not bear it anymore, I had no friends  no girlfriends and I did not want anyone to see me under any circumstances and this caused me to go into deeper depression. One day I came across this awesome weight loss website. CLICK HERE TO KNOW the best weigh loss tricks.

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Senators Question Mandatory Health Insurance Constitutionality

Scott P. Brown’s win yesterday may be a harbinger of things to come for Obama’s health care reform plan; the idea of universal health insurance first touted in Obama’s platform for change seems to be on the verge of severe change itself. One question Republicans will likely concentrate on at present is whether mandatory private insurance violates the constitution or not.

The shock of a Republican winner in Massachusetts, a traditionally very, blue, very Democratic state is just beginning to be felt. One thing, however, is sure – voters are angry. The Obama administration’s focus on passing health care reform to make affordable health insurance more accessible to masses seems to have caused ire in his constituency. With the effects of the recession still on everyone’s mind, the concentration on health care has hampered Obama’s plans. Now Republicans have the power to impede those exact plans.

Republicans have plenty to discuss. Many Republicans have seen the health care plan from the get-go as a travesty to local governments. It would put a tax burden on small businesses, the rich, as well as unions. The cost of these new taxes may be more of a hindrance than a blessing. Furthermore, Republicans fear it would put Big Brother at the helm.

The big question remains: is mandatory private health insurance constitutional? Democrats cite the case of Social Security, which was approved by the Supreme Court in 1937 as a tax and spending program to provide insurance for the retired. No doubt, Social Security is not the most perfect plan, but has thus far worked.

The only problem with the Social Security argument is that Social Security remains a federal insurance, whereas the proposed Obama insurance is a private affair. American citizens, would essentially, be forced to buy their own private health insurance.

Republicans fear large government interference in the private lives of its citizens. Too much regulation takes away the freedoms of Americans as stated in the Constitution itself. Democrats would argue that it counts as economic activity, which can be regulated by Congress. Others find that argument to be rather flimsy. Where exactly does the Federal government have the authority to force its citizens to buy private insurance? What will the Supreme Court have to say? States already regulate car insurance, but that is on a state-to-state basis.

This is, by no means, a new issue. In November, Republican Senator Tom Coburn of Oregon and Representative John Shadegg of Arizona began a push to force Congress to have to consider the authority of any legislation put forth. The legislation entitled “The Enumerated Powers Act”, has brought with it a large amount of discussion, however not much action.

Senator Obama has many challenges ahead. The Republican win last night indicates that people want a change. The question of the constitutionality of mandatory private health insurance looms. Republicans are expected to press the issue. However, many liberals and progressives have also questioned it. This may prove difficult for any health care reform – at least as it exists now – to succeed. Health care talks in the Senate are expected to come to a close soon.

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